Transform complex data into actionable insights

Premier AttributesSM aggregates credit data at the most granular and meaningful levels to provide clear insights into consumer credit behavior. With more than 2,100 attributes across 51 industries, Premier Attributes can be used to develop highly predictive custom models and design more effective segmentation strategies. 

Key concepts include: trade counts and openings, available credit, balances, payment patterns, delinquency/derogatory status, worst-ever behavior, public records and inquiries.

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Leverage the insights of Premier Attributes

Greater decisioning power

Our attributes are effective in segmentation as overlays to scores and in-policy rules definitions.

Development continuum

New attributes are developed to align with current regulations and industry trends.

Attribute governance

Rigorous and comprehensive protocols are in place to ensure continued integrity.

premier-attributes-benefits

Key benefits

 

  • Pinpoint specific consumer behavior more easily.
  • Save time and resources by leveraging predefined attributes that cover a variety of industries and analytical use cases.  
  • Drive more-informed decisions in prospecting and targeting, account acquisitions, customer management strategies, and collections initiatives and priorities.
  • Make consistent decisions across all your lending products by using our advanced attributes. 

 

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premier-attributes-benefits

Enhanced Premier Attributes

Our enhanced attributes deliver a clearer, more comprehensive view of consumer borrowing and debt behavior — enabling lenders to uncover risk sooner, target with greater precision and optimize decisions across the entire credit lifecycle.

Secured credit cards and partially secured loans

Leverage 32 new attributes that provide a more granular look at consumers who are building or rebuilding their credit.

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Student loan wage garnishment

This set includes 16 new attributes designed to help lenders identify borrowers at risk of wage garnishment due to recent or emerging federal student loan delinquencies.

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Personal Loan Attributes

Accessover 400 attributes to reveal behavioral patterns unique to personal loans like borrowing, repayment and emerging risk signals.

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Unsecured Credit Debt Attributes

This provides a purpose-built set of 60+ unsecured credit debt attributes that consolidate balances, tradeline counts, credit limits and delinquency indicators into a distinct industry view.

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Resources

Experian credit attributes
White paper

Experian credit attributes

Learn about our development principles and methodology.

Ready to take decisioning to the next level?

To learn more about our solutions, please fill out the form below.

We are unable to address personal credit report and/or membership inquiries via this business form. Visit Experian.com/help or call 888-397-3742 for consumer assistance. For help with your business credit report, please visit Experian.com/small-business. 

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